Post-Separation Mortgage Strategy
Navigate your next chapter with clarity and support
Going through a separation or divorce is never easy — emotionally or financially. At Valko Financial, we’re here to help you take control of your next chapter with non-judgmental, personalized guidance that puts your future first. Whether you’re navigating a buyout, refinancing on your own, or looking to secure a new place to call home, we’ll build a plan that supports your stability, independence, and peace of mind.
From removing or adding names on a mortgage, to consolidating joint debt or accessing equity, we work closely with lawyers and mediators to ensure your financial transition is as smooth as possible. You don’t have to figure it all out alone — we’re here to help you move forward with confidence.
This service is ideal if you’re separating and want to stay in your home, plan to buy independently, or need to protect your credit and financial future during a split.
Can I qualify for a mortgage on my own after a separation?
Yes — even if your income or financial situation has changed. We’ll help you understand your borrowing power, explore lender options, and create a strategy to qualify based on your new circumstances.
How do I remove my ex-partner’s name from the mortgage or property title?
This typically involves refinancing the mortgage in your name alone and updating the legal ownership through your lawyer. We’ll guide you through each step and work with your legal team to make the process as smooth as possible.
What if we have joint debt — can that be separated too?
Yes. Refinancing or debt consolidation can help divide joint liabilities and protect your credit. We’ll help you create a plan to manage debt fairly and minimize the long-term financial impact of your separation.
Tracey and her team were very professional and diligent in getting my mortgage done on time. Everything went very smoothly and I was grateful for that.
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Sean
5 days ago
There is something to be said about working with real people that have a passion for what they do and truly put clients above all else. Tracy and here team are masterclass and I wouldn't consider another broker or working with a lender directly. Even when problems arise (as they can with mortgages and tight timelines) Tracy keeps clients first and goes well above and beyond to make things right.
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Mark Smith
5 days ago
Last month we opened the front door to our brand new home. We are so thankful for Tracy’s team who helped us through it all. Santiago was our realtor, and helped us sell our old home quickly, as well as look at rentals to bridge the gap. Matt took on our new mortgage and worked around the clock answering all the questions we had. He always took the time to explain everything in full! Whenever we called the office we were always met with the best customer service. We had a wonderful experience, a recommend their team if you are looking for a realtor or a new mortgage!
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Meg Marshall
11 days ago
Ready to explore your options?
Let’s chat about your goals and see if refinancing makes sense for you. We’ll run the numbers, compare your options, and help you make a confident decision.